Atomwise (YC W15) Is Hiring a Senior Software Engineer / Cloud

Article URL: http://www.atomwise.com/jobs/senior-software-engineer-cloud-2/

Comments URL: https://news.ycombinator.com/item?id=20722688

Points: 1

# Comments: 0

The Muse (YC W12) Is Hiring Engineers and Developers

Article URL: https://www.themuse.com/jobs/themuse/application-developer

Comments URL: https://news.ycombinator.com/item?id=20712829

Points: 1

# Comments: 0

Financial Debt To Income Ratio

Financial Debt To Income Ratio

Financial debt to revenue proportion is the proportion in between your regular monthly expenditures and also your earnings. Prior to approving a home loan for your residence, the loan providers typically compute the financial debt to earnings proportion to function out your qualification for the home loan.

The number 28 describes an optimal percent of your month-to-month earnings the loan provider permits you for satisfying the real estate expenditures. This consists of the financing principal as well as passion, exclusive home loan insurance coverage, real estate tax, and also various other costs such as the residence organization costs.

The number 36 shows the optimal portion of your month-to-month revenue the loan provider permits you for satisfying both the real estate expenditures and also the reoccuring costs such as bank card settlements, vehicle loan, education and learning finances, or any type of various other reoccuring expenditures that will certainly not be repaid in the instant future after occupying a home loan.

Allow us take an instance of a debtor whose regular monthly earnings is $4000.
28% of 4000 = 1120, i.e., $1120 will certainly be enabled fulfilling the real estate expenditures.
36% of 4000 = 1440, i.e., $1440 will certainly be enabled both real estate as well as reoccuring costs with each other. This indicates that the individual can not owe various other financial debts greater than $320.

Some finances use better portion enabling you for even more financial debt. The FHA lending has a 29/42 range for determining the financing qualification.

A lot of the financial institutions urge that your debt-to-income proportion is listed below 36%. If it goes across 43% you are most likely to encounter economic constricts in the future, as well as having a 50% or even more debt-to-income proportion implies that you ought to right away exercise methods to decrease your financial debts prior to getting home loan.

There are some interesting realities concerning the financial debt proportion. Allow us take into consideration the truths regarding a home loan ability for an individual whose regular monthly revenue is $3000 as well as has no financial debt. According to a financial obligation proportion 38%, the quantity offered for the home loan will certainly be $1140.

On the various other hand, expect you have $4000 regular monthly earnings, and also you owe a $1000 financial debt. If you assume you still are worthy of the $1140 for the home loan (after deducting the $1000 financial obligation from your regular monthly earnings) you are incorrect.

If you pay off all your financial debts as well as do not conserve for down settlement, you might dive right into an extra hard circumstance. In this instance, you require to get in touch with a home mortgage therapist to choose whether conserving for the down settlement would certainly be suitable than paying off the financial obligations.

Financial obligation to revenue proportion is the proportion in between your regular monthly expenditures and also your earnings. Prior to approving a home mortgage for your residence, the lending institutions generally compute the financial obligation to revenue proportion to function out your qualification for the home loan. Allow us take into consideration the truths concerning a home mortgage ability for an individual whose month-to-month earnings is $3000 and also has no financial debt. On the various other hand, expect you have $4000 regular monthly revenue, and also you owe a $1000 financial debt. If you assume you still should have the $1140 for the home mortgage (after deducting the $1000 financial obligation from your regular monthly earnings) you are incorrect.

The post Financial Debt To Income Ratio appeared first on ROI Credit Builders.

Financial Debt To Income Ratio

Financial Debt To Income Ratio

Financial debt to revenue proportion is the proportion in between your regular monthly expenditures and also your earnings. Prior to approving a home loan for your residence, the loan providers typically compute the financial debt to earnings proportion to function out your qualification for the home loan.

The number 28 describes an optimal percent of your month-to-month earnings the loan provider permits you for satisfying the real estate expenditures. This consists of the financing principal as well as passion, exclusive home loan insurance coverage, real estate tax, and also various other costs such as the residence organization costs.

The number 36 shows the optimal portion of your month-to-month revenue the loan provider permits you for satisfying both the real estate expenditures and also the reoccuring costs such as bank card settlements, vehicle loan, education and learning finances, or any type of various other reoccuring expenditures that will certainly not be repaid in the instant future after occupying a home loan.

Allow us take an instance of a debtor whose regular monthly earnings is $4000.
28% of 4000 = 1120, i.e., $1120 will certainly be enabled fulfilling the real estate expenditures.
36% of 4000 = 1440, i.e., $1440 will certainly be enabled both real estate as well as reoccuring costs with each other. This indicates that the individual can not owe various other financial debts greater than $320.

Some finances use better portion enabling you for even more financial debt. The FHA lending has a 29/42 range for determining the financing qualification.

A lot of the financial institutions urge that your debt-to-income proportion is listed below 36%. If it goes across 43% you are most likely to encounter economic constricts in the future, as well as having a 50% or even more debt-to-income proportion implies that you ought to right away exercise methods to decrease your financial debts prior to getting home loan.

There are some interesting realities concerning the financial debt proportion. Allow us take into consideration the truths regarding a home loan ability for an individual whose regular monthly revenue is $3000 as well as has no financial debt. According to a financial obligation proportion 38%, the quantity offered for the home loan will certainly be $1140.

On the various other hand, expect you have $4000 regular monthly earnings, and also you owe a $1000 financial debt. If you assume you still are worthy of the $1140 for the home loan (after deducting the $1000 financial obligation from your regular monthly earnings) you are incorrect.

If you pay off all your financial debts as well as do not conserve for down settlement, you might dive right into an extra hard circumstance. In this instance, you require to get in touch with a home mortgage therapist to choose whether conserving for the down settlement would certainly be suitable than paying off the financial obligations.

Financial obligation to revenue proportion is the proportion in between your regular monthly expenditures and also your earnings. Prior to approving a home mortgage for your residence, the lending institutions generally compute the financial obligation to revenue proportion to function out your qualification for the home loan. Allow us take into consideration the truths concerning a home mortgage ability for an individual whose month-to-month earnings is $3000 and also has no financial debt. On the various other hand, expect you have $4000 regular monthly revenue, and also you owe a $1000 financial debt. If you assume you still should have the $1140 for the home mortgage (after deducting the $1000 financial obligation from your regular monthly earnings) you are incorrect.

The post Financial Debt To Income Ratio appeared first on ROI Credit Builders.

The post Financial Debt To Income Ratio appeared first on Buy It At A Bargain – Deals And Reviews.

Just Funded… $19,000 in Cash Flow Financing

One of our retail store clients just got $19,000 in funding to use for working capital and to increase inventory.

Congratulations to Cory and his team, we’re excited to be part of your expansion!

Click Here to see how much funding you can get for your business.

The post Just Funded… $19,000 in Cash Flow Financing appeared first on ROI Credit Builders.

The post Just Funded… $19,000 in Cash Flow Financing appeared first on Buy It At A Bargain – Deals And Reviews.

Get a Fantastic Credit Card 0 APR – Pay No Interest!

Grab The Best Credit Card 0 APR

We looked for the best credit card 0 APR, and did the research for you. So here are our picks.

Per the SBA, small business credit card limits are a whopping 10 – 100 times that of consumer credit cards!

This demonstrates you can get a lot more cash with business credit. And it also means you can have personal credit cards at retail stores. So you would now have an extra card at the same stores for your small business.

And you will not need collateral, cash flow, or financial data in order to get company credit.

Business Credit Card Advantages

Benefits can differ. So, make sure to pick the perk you prefer from this choice of alternatives. While we did find a great credit card 0 APR, you may see something you like better. And keep in mind, these aren’t credit card 0 APR forever. Rather, the low APR is for an introductory period only.

Get a Business Credit Card 0 APR – Pay Absolutely Nothing!

Capital One® Quicksilver® Card

Have a look at the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits how much in cash back rewards that cardholders can get. Also, the card has a $0 annual fee.

Details

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after starting the account. And then they have a 14.74 – 24.74% (variable) APR after that. A cash bonus of $150 is available for those who make at least $500 on purchases within 3 months of account opening.

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

Furthermore, there is a cash bonus of $150 is offered to cardholders who make a minimum of $500 on purchases within 3 months of account opening.

The card also offers travel accident insurance. And you can get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not permitting any more than that. And then there’s the higher APR after the initial 15 months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee and comes with a 0% introductory APR on purchases for the first nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel with the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can earn unlimited points and points never expire.

Details

There is a 25,000-point sign-up bonus when you spend $1,000 in the first 60 days of opening up the account. Cardholders get travel accident insurance, and lost luggage reimbursement.

They also get trip cancellation coverage, trip delay reimbursement and other advantages.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

JetBlue Plus Card

Take a look at the JetBlue Plus Card for another business credit card 0 APR, introductory.

Earn six points/dollar on JetBlue purchases, two points/dollar at eating establishments and grocery stores. And get one point/dollar on all other purchases.

Details

Spend $1,000 in the initial 90 days and pay the yearly fee, and get 40,000 bonus points. New cardholders get a 12 month, 0% initial APR on balance transfers made in 45 days of account opening.

Afterwards, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 yearly fee for this card.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/

Discover it® Student Cash Back

Also, be sure to have a look at the Discover it® Student Cash Back which has a 0% APR for an introductory six-month period.

It has no yearly fee. And there is an APR of 14.99 – 23.99% variable on all purchases after the introductory period.

One one-of-a-kind feature is that it provides an incentive for students to maintain good grades with a $20 statement credit. If students get a GPA of 3.0 or higher each academic year, the card will award the $20 statement credit every year for up to five years.

Details

Use the card to build personal credit. While this is a personal card as opposed to a small business credit card, for new credit users, their FICO scores will be important.

And this card offers an excellent way to raise FICO while also getting rewards.

You can earn 5% cash back at various places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly max. Afterwards, the card offers unlimited 1% cash back on all purchases.

In the very first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual fee. And there is a 0% APR on purchases. So this is for the initial 15 months an account is open.

But when the introductory period expires, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This credit card has numerous benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, earn 5% cash back at US office supply stores and on wireless phone services. So, these must be bought from American providers. But this pertains to the initial $50,000 of annual spending. Then, you get 1% cash back.

You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending. Then, you get 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The credit card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it kicks in if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Credit Card 0 APR Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Get a credit card 0 APR and more!

Ink Business Cash℠ Credit Card

Have a look at the Ink Business Cash ℠ Credit Card. Companies can earn cash back with each purchase. Spend $3,000 in the initial three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 annual fee with a 0% introductory APR for 12 months on purchases and balance transfers. Afterwards, the APR is a 15.24 – 21.24% variable.

The credit card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn bonus cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is greater. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

Credit Card 0 APR Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Get a credit card 0 APR and more!

Extraordinary Business Credit Cards with No Annual Fee

To supplement a credit card 0 APR, a business credit with no annual fee can be a smart choice.

Uber Visa Card

Check out the Uber Visa Card. Uber is the first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases.

So, this includes retailers and subscription services such as Uber and Netflix. And get 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly within the app.

By spending at least $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 annually are eligible to receive a $50 credit toward online subscription services.

Details

If you pay your cellular phone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to certain events and offers. Uber anticipates most of these offers to be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.

Also, there are restrictions on Uber credits. To redeem points as credits in the Uber app, accumulate a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, in a given day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll need to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This credit card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Credit Card 0 APR Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Get a credit card 0 APR and more!

The Perfect Business Credit Card 0 APR for You

Your outright best credit card 0 APR will hinge on your credit history and scores.

Only you can pick which features you want and need. So be sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make certain to establish credit in the recommended order for the best, speediest benefits.

 

 

The post Get a Fantastic Credit Card 0 APR – Pay No Interest! appeared first on Credit Suite.

The Art and Science of Social Storytelling –10 Brilliant Business Tips of the Week

The Hottest and Most Brilliant Business Tips for YOU – Start Social Storytelling  and More

Our research ninjas at Credit Suite smuggled out ten amazing business tips for you! Be fierce and score in business with the best tips around the web. You can use them today and see fast results. You can take that to the bank – these are foolproof! Wow your customers and prospects with social storytelling, and more.

Stop making stupid decisions and start powering up your business. Demolish your business nightmares and start celebrating as your business fulfills its promise.

And these brilliant business tips are all here for free! So settle in and scoop up these tantalizing goodies before your competition does!

#10. Don’t Forget the Videos!

Our first jaw-dropping tip is all about adding videos to your marketing strategy. The Self-Employed says video is compelling and persuasive and boy do we ever agree!

Tell Your Brand's Story with Compelling Email Marketing and More Credit SuiteOne of our favorite points in this article is all about retention of information. It seems we remember about 95% of what we view. And about 10% of what we read. Sorry, books.

This means it makes a ton of sense to add video to your bag of tricks. Video is a particularly persuasive marketing tool on mobile.

This article also has a ton of excellent tips for how to best optimize your video. After all, YouTube is the second-largest search engine, second only to Google. It makes sense to do everything in your power to make your video content discoverable.

We recommend reading the entire article. Yes, it’s that good.

#9. Set Up Your Field Sales Team for Success

The next awesome tip is about aligning the planets for your field sales team so they’ll be more successful. Open View Partners notes face to face requests are some 34 times more effective than emails.  So send your sales team into the field. But don’t send them without preparation.

Their two great tips were to arm your sales people with data. And give them good mobile tools. Don’t make them squint at too-tiny screens.

Pro tip – this works in a lot of other areas. The asking in person bit, that is. So if you ever have to argue a mistake on a bill, go to the place where the bill came from, if you can. Be nice, of course. Don’t look like some loon who they’re only too eager to call the cops on.

Be there, and be reasonable. You will be hard to say no to.

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Learn the art and science of social storytelling.

#8. Get More Social Media Sales

Our following life-changing tip concerns selling on social media.  LinkedIn points out it’s a great source for B2B social media leads – to the tune of 80%!

As we have seen elsewhere, one terrific strategy is to showcase your expertise. In all seriousness, who wants to read about someone who’s fumbling along? Of course, they can have compelling stories. But anyone without expertise needs a ‘happy ending’ of gaining expertise. Without that, they don’t belong in the B2B marketing space, now, do they?

But we also liked the idea to help the overwhelmed decision makers among us. When there are 111 choices out there, so many of us are tempted to close our eyes and point. Guiding such people is another form of value. In truth, it’s a lot like the strategy to showcase expertise.

Helping people. Whooda thunk?

#7. Give Your Email Marketing a Boost

For our next sensational tip, we looked at best practices for email marketing. Sumo lays it all out for us. Our fave tip was to clean house! For so many email marketers, their lists have black hole-style addresses. These are people who never respond. But the email may or may not bounce. If you have an email address you only use for one thing, then you know what we mean.

Let’s say you have 1,000 bad email addresses, and you send two messages per week. Then in month, you’re sending 8,000 emails to the void. Pay a penny per email? Then you’re wasting a good $1,000 per year on the dead weight.

And there’s another thing, which the article didn’t get into. There are any number of email service providers which will ding your company if you get too many bounces. After all, bounces clog up their servers and make everything go slower.

So clean house and send re-engagement emails to stale subscribers on a regular basis. Maybe  once a quarter? No response? Then sayonara; it’s been nice knowing you.

#6. Improve Your Emails

This tip is so cool, and it works! Science of People has us covered. Speaking of emailing, this article hit home in all sorts of unexpected ways.

Two tips which stood out to us were to not bury the lede (yes, that’s the spelling: you could look it up), and to not ramble on and on. Oh boy, do we love those!

But the one tip which we suspect will save both working relationships and social ones was #6. Add the address last.

This is vital. Trust us.

And check out their bonus. Someone should sew it on a sampler and hang it on a wall!

#5. Specialize in Social Storytelling

Grab this mind-blowing tip while it’s hot!

Tell Your Brand's Story with Compelling Email Marketing and More Credit Suite It’s time to wow your customers and prospects with social storytelling. Sales Hacker says it’s a way to buck the automation trend. That is, we still don’t have AI which can write a story and keep it compelling.

So, that reminds your intrepid blog post writer of a tale. See, social storytelling is everywhere! In fact it’s here most Fridays.

Social Storytelling and the Author

Now, I can’t honestly recall if I have mentioned this before. But I am an author. You know, published and everything. But of course life wasn’t always this way.

Good writing comes with training. And some of my best education came in, of all places, high school.

My 12th grade English teacher was big on creative writing. So she gave us the formula, which I will now pass onto you.

Characters. Conflict. Crisis. Change.

That is, your story must have all four. The setting, by the way, is a form of character. And conflict can also be seen as purpose or the desired end result.

Think of your favorite stories. In The Wizard of Oz, the characters are obvious, including the title character. The conflict (desired end result) is to get Dorothy back home to Kansas. The crisis is when the team has to battle the Wicked Witch of the West. And the change is Dorothy gets to go home. While at the same time, her companions realize they had the power within them all along.

Bringing it All Back to Social Storytelling

So there’s a point to this little side junket. It’s like the tips in the article. We are talking about super-short social storytelling. As in, 20 to 30 seconds. How do you make a compelling character? Give him or her a struggle. What’s an interesting conflict or desired outcome or purpose? Something like what your customers and prospects want. What about the crisis? Where are things coming to head. When does it become do or die? And what’s the change? Where’s the happy ending?

For example – in your social storytelling, you might have a customer who’s tried everything but not been able to succeed. They want to, of course. And then things turn dire. They may realize they’re not getting any younger. Or a new baby or a house or the like means financial needs are more pressing. They need to succeed yesterday. The change, as you may have guessed, is how your product or service gets them there.

Human beings are storytellers. Social storytelling probably goes back to when we lived in caves and were first developing language. Homer told the stories of the Iliad and the Odyssey to his fellow Greeks, many of whom could neither read nor write.

Social storytelling is in our DNA. And it is powerful.

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Learn the art and science of social storytelling.

#4. Social Storytelling and Social Proof in Email Marketing

Check out this spectacular tip. It’s all about using social proof in your email marketing campaigns. Sleek Note says there are lots of compelling ways to use social proof in email marketing.

We loved their examples of showing authority. You can earn it, with great reviews from your customers. Or you can borrow it, through an association with another company or organization. You can polish it up with celebrity endorsements. And you can make it newsworthy with media endorsements.

But what if you have none of these? Then it’s time to build your brand and encourage reviews, to start. Why not show a short (yes, short, as in no more than three questions) survey upon checkout? Give away a small token of your appreciation for filling it out. Maybe a 10% discount on their next shopping trip?

Then you’ll start to get some social proof.

#3. Get Down on One Knee

It’s not your imagination: this winning tip can increase engagement on Facebook. BuzzSumo gives us the lowdown. They have four daily tasks to help you increase engagement.

We were so happy that these are all data-type tasks! One was to figure out when’s the best time to post on FB. Companies and their customers differ; this is not ‘one size fits all’. Your prospects might check FB at lunch. Or the morning or the evening could be their time to socialize online.

The weekend might be the right time. You’ll never know unless you keep tabs.

And you’ll also never know which content does best unless you measure. That’s their second task. What content works? What falls flat?

Do more of the former, and less of the latter.

We also loved the third task, to schedule your FB posts for the week. This is with a tool like Hootsuite or Buffer. After all, if your customers are on Facebook at 3 AM on a Tuesday, you have every right to want to sleep then!

Their fourth task was more measuring. Check your content and see if it works. For the second task, you’re looking at individual content. Here, you’re looking at the bigger picture. If quizzes do better than slideshows, then guess what you should post more often?

#2. Grow Network, Grow!

Our second to last unbeatable tip can give you a new perspective on how to grow your network. Entrepreneur notes we don’t start networking by sending strangers random calls. We don’t press our business cards into the hands of everyone on the bus.

At least, your intrepid blog writer hasn’t done that. In a while.

(Note: that was a joke)

So start with the people you know. Classmates. Friends. Neighbors. Colleagues, both current and past. Family. They know you! And they know you’re dependable, smart, etc.

And then the second tip makes even more sense – help others before you get them to help you. Yes, you’re creating an expectation of a quid pro quo. You’re also, you know, doing the right thing.

For the third tip, we encourage you to read this article in its entirety!

#1. Stand Out in an Overcrowded Voice-Assisted World

We saved the best for last. For our favorite remarkable tip, we focused on standing out as a brand while your customers and prospects shop with voice assistants. You know, Siri and Alexa and the like. The Harvard Business Review says there are a few strategies which should work.

Consider that this hasn’t quite happened yet. So the HBR could change their minds later. But there was one tip which made a lot of sense to us. And it can work, in some ways, even for other types of marketing and sales.

It’s to bundle the stuff you sell. Or, at least, to suggest the similar stuff. So if you sell, say, dog treats, there’s a good chance your customers will also take an interest in dog toys. They called this affinities. Then they took this from beyond the realm of Amazon’s recommendation engine.

That is, they suggest putting together different types of customers. And cater to their particular affinities. Your young mom groceries customers might be more interested in convenience. But your hipsters who want to cook something new.

Yet again, there’s a suggestion to treat customers like individuals. You know, like people.

What a concept.

So which one of our brilliant business tips was your favorite? And which one will you be implementing now?

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Learn the art and science of social storytelling.

The post The Art and Science of Social Storytelling –10 Brilliant Business Tips of the Week appeared first on Credit Suite.

New comment by jkemp in "Ask HN: Who is hiring? (August 2019)"

Close.com | REMOTE WANTED: – Senior Software Engineer – Backend (Python) – Senior Software Engineer – Frontend (JavaScript/React) WHO ARE WE: At Close we’re a 100% remote team of ~35 building the sales communication platform of the future. We’ve built a next-generation CRM that eliminates manual data entry and helps sales teams close more deals. …

Brits Swap Borrowing For Saving

New numbers have actually revealed that Britons are conserving a lot more as well as obtaining much less.

IFA Promotions’ quarterly Savings Break record has actually disclosed that Britons are obtaining 10 cent for each extra pound conserved.

This is down significantly on previous degrees and also it recommends that individuals are lastly replying to problems over the high degree of customer financial debt, with many individuals concentrating on obtaining their funds back fit using routine conserving as well as financial debt loan consolidation.

Recently, Britons had actually been captured obtaining greater than they conserved, triggering problem. The most current numbers reveal that loaning is a fifth of what it was at the end of 2005 as well as a 3rd listed below this time last year.

David Elms, president at IFA Promotions, hailed the most up to date numbers as “amazing information”, with the country relatively ruling in its investing. He shared worry that Britons are still much from economically safe and secure.

” At very first look, it appears that customers have actually begun to create enrolled assuming when it concerns their budgeting practices, making the web link in between their investing, loaning, conserving and also long-term monetary safety, yet this might not be totally the instance,” Mr Elms claimed.

” Now is a duration of much financial unpredictability as well as with a surge in rate of interest fiercely expected, customers are just acting in the means you would certainly anticipate – staying clear of tackling brand-new financial obligations as well as loading what funds they have right into financial savings.”

Mr Elms suggested that individuals still required to function in the direction of long-term enhancements in their capacity to spending plan and also approve “continual monetary materialism”.

© Adfero Ltd
.

The post Brits Swap Borrowing For Saving appeared first on ROI Credit Builders.

New comment by 0xCA in "Ask HN: Who wants to be hired? (August 2019)"

  Location: Rio de Janeiro, Brazil
  Remote: Yes
  Willing to relocate: Yes
  Technologies: AWS, Linux administration, Python, Ansible, Chef, Docker, Kubernetes, Networking, etc.
  Résumé/CV:https://github.com/csouto/samplecode/blob/master/Cesar_Souto.pdf
  Email: cesar(dot)souto(at)gmail.com